Discover it Card

Account number ending in 5843

Open Date: Jul 26, 2015- Close Date: Aug 25, 2015
Cardmember Since 2014

Page 1 of 6

ACCOUNT SUMMARY
Previous Balance
Payments and Credits
Purchases
Balance Transfers
Cash Advances
Fees Charged
Interest Charged

+
+
+
+
+

New Balance

PAYMENT INFORMATION
$112.80
$1,379.98
$2,034.98
$0.00
$290.49
$40.00
$4.30
$1,102.59

See Interest Charge Calculation section following the

Transactions section for detailed APR information
Credit Line

$2,000

Credit Line Available

$897

Cash Advance Credit Line

$400

Cash Advance Credit Line Available

$400

You may be able to avoid interest on Purchases.

See reverse for details.

New Balance

$1,102.59

Minimum Payment Due

$35.00

Payment Due Date

September 20, 2015

Late Payment Warning: If we do not receive your minimum payment by the

date listed above, you may have to pay a late fee of up to $35.00.

REWARDS
$

Anniversary Month
December
1.33

+$
- $

10.00
0.00

Cashback Bonus
Opening Balance
New Cashback Bonus This Period
Everywhere Else
Redeemed This Period

Cashback Bonus Balance

11.33

To learn more, log in at Discover.com

718

Your FICO Credit Score on 8/19/15.

Track recent scores on your FICO page in this statement.
Please pay online at www.Discover.com or make checks
payable to Discover. Phone or internet payment? Pay before
midnight ET on your payment due date for same day credit.

Make Check payable to Discover.

Please fold on the perforation below, detach and return with your payment.

NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

5843
$35.00
$1,102.59
September 20, 2015

TEUDY PEREZ SR
201 S 11TH ST APT 1B
READING PA 19602-2079

PO BOX 71084
CHARLOTTE NC 28272-1084
Phone and Internet payments must be received before midnight ET on your due date to be
credited as of the same day.
Address, e-mail or telephone changed? Note changes on reverse side.

000001986457319856744011025900300000003500

TEUDY PEREZ SR

Account number ending in 5843

Open Date: Jul 26, 2015 - Close Date: Aug 25, 2015

Page 2 of 6

Important Information
See your Cardmember Agreement. Your Cardmember Agreement contains
all the terms of your Account.
Lost or stolen cards. Report immediately! Call 1-800-347-3085.

If your payments may vary in amount, we will tell you on each monthly billing
statement when your payment will be made and how much it will be. You
must ensure that sufficient funds are available in your bank account, and all
transactions must comply with U.S. law.

What To Do If You Think You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at: Discover, PO
Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60
days after the error appeared on your statement. You may call us, but if you
do we are not required to investigate any potential errors, and you may have
to pay the amount in question. The Billing Rights Notice further explains your
rights. Please see your Cardmember Agreement or visit
https://discover.com/billingrights for a copy of this notice.

You can set automatic payments for: (i) statement New Balance, (ii) statement
Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed
dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar
amount" payment is not enough to cover the Minimum Payment Due as listed
on your monthly billing statement, your scheduled payment for that month
will be increased to cover the Minimum Payment Due. If the scheduled
payment is greater than the Minimum Payment Due, any excess will be
applied in accordance with your Cardmember Agreement. If your scheduled
payment is greater than the New Balance on your billing statement, that
payment will be processed only for the amount of your New Balance. Your
automatic payment amount may be less than the amount indicated on the
billing statement based on credits or payments after the Close Date.

Payments. You may pay all or part of your Account balance at any time.
However, you must pay at least the Minimum Payment Due by the Payment
Due Date. Send only your payment and the bottom portion of this statement
in the envelope provided after affixing postage. Payments sent without proper
postage will be returned to the sender. Do not send cash. If you pay by
check, you authorize us to use information on your check to make an
electronic fund transfer from your account at the financial institution indicated
on your check or to process the payment as a check transaction. If a payment
is processed as an electronic fund transfer, the transfer will be for the amount
of the check. When we use information from your check to make an
electronic fund transfer, funds may be withdrawn from your account as soon
as the same day we receive your payment, and you will not receive your
check back from your financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payments, if you send the payment to any
other address, or if you use an envelope other than the one provided.
Payments received in proper form at our processing facility by 5PM local time
on any day will be credited to your Account as of that day. Payments received
at our processing facility after 5PM local time will be credited to your Account
as of the next day. If you have misplaced your envelope, send your payment
to Discover, PO Box 6103, Carol Stream, IL 601976103. Please allow 710
days for delivery. If your payment is returned unpaid, we reserve the right to
resubmit it as an electronic debit. Payments made online or by phone will be
credited as of the day of receipt if made by midnight on the Payment Due
Date or 5PM Eastern time on any other day.
You can pay your monthly Minimum Payment Due, or a greater amount that
does not exceed your current Account balance, over the telephone or you can
setup automatic payments through a customer service representative by
calling 1-800-347-3085.Automatic payments for the billing period shown on
your statement will be deducted on the Payment Due Date shown on that
statement, or the next automatic payment date referred to on your statement,
unless you request a recurring payment date (e.g., the 15th day of the month)
that occurs before your Payment Due Date or Close Date. If your scheduled
payment date falls on a weekend or bank holiday, your payment will be
processed the business day prior to the weekend or bank holiday. In order to
schedule monthly payments by telephone, you will need this statement and
your bank account information. You will be asked to provide the last four (4)
digits of the social security number of the primary borrower. By providing
those numbers as your electronic signature, you will be agreeing to this
authorization to allow us and your bank to deduct each payment you
authorize, in the amount selected by you, from your bank account. You also
authorize us to initiate debit or credit entries to your bank account, as
applicable, to correct an error in the processing of such payment. You can
cancel a scheduled payment by phone at 1-800-347-3085 or by mail at
Discover, PO Box 30421, Salt Lake City, UT 84130-0421; payment
cancellations must be received before 5 PM ET of the scheduled withdrawal
date.

If you enroll by phone in our automatic payment service, please fill-in the
following blanks below and retain the authorization for your records.
Amount:
Full Pay________ Min Pay________ Min Pay+ $____________;
Other Amount$_____________; Bank Routing #:__________________;
Bank Account #__________________;
Monthly on the

Payment Due Date

Close Date

___________Day of month (insert date)

Credit Reporting. We may report information about your Account to credit
bureaus. Late payments, missed payments, or other defaults on your Account
may be reflected in your credit report. We normally report the status and
payment history of your Account to credit reporting agencies each month. If
you believe that our report is inaccurate or incomplete, please write us at this
address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please
include your name, address, home telephone number and Account number.
Paying Interest. Your due date is at least 25 days after the close of each
billing period (at least 23 days for billing periods that begin in February). We
will not charge you any interest on Purchases if you pay your entire balance
by the due date each month. We will begin charging interest on Cash
Advances and Balance Transfers as of the later of the Transaction Date or the
first day of the billing period in which the transaction posted to your Account.
How We Calculate Interest Charges. We Use the Daily Balance Method
(including current transactions) to calculate the Balance Subject to Interest
Rate. For more information, please call us at 1-800-347-3085.
Balance Subject to Interest Rate. Your statement shows a Balance Subject
to Interest Rate. It shows this for each transaction category. The Balance
Subject to Interest Rate is the average of the daily balances during the billing
period.
Credit Balances. If your Account has a credit balance, the amount is shown
on the front of your billing statement. A credit balance is money that is owed
to you. You may make charges against this amount if your Account is open.
We will send you a refund of any remaining balance of $1.00 or more after
6 months, or as otherwise required by applicable law, or upon request made
to the address in the Contact Us section on page 3 of your billing statement.
Balance Transfers. Balance Transfers are offered at our discretion and
accrue interest at the standard purchase rate unless we tell you otherwise.
Discover may monitor and/or record telephone calls between you and
Discover representatives for quality assurance purposes.
The Discover card is issued by Discover Bank, Member FDIC.

DIT23-24.0215

CHANGE OF ADDRESS
If correct on front, do not use. Please print clearly in blue or black ink, in the space provided.
Street Address

Home Phone

Work Phone

City

Email

State, Zip

To make changes to your address, email or telephone number, visit Discover.com

Continued on next page

Discover it Card

Account number ending in 5843

Open Date: Jul 26, 2015 - Close Date: Aug 25, 2015

Page 3 of 6

CONTACT US
Web
Access your
account securely
at Discover.com

Transactions
Payments and Credits

Mobile
Manage your
account anytime,
anywhere at
m.Discover.com

Phone

Inquiry
Discover
PO Box 30943
Salt Lake City
UT 84130

1-800-347-3085
TDD 1-800-347-7449

Trans. Date

Post Date

Jul 11

Aug 25

EPOCH.COM

Jul 25

Jul 26

SQ *TEUDY PEREZ BRONX NY

Mail Payments
Discover
PO Box 6103
Carol Stream
IL 60197-6103

-34.98
-1,000.00

0002305843010193598578

Merchandise

Aug 14

Aug 14

INTERNET PAYMENT - THANK YOU

-145.00

Aug 21

Aug 21

INTERNET PAYMENT - THANK YOU

-200.00

Jul 11

Aug 23

EPOCH.COM 800-893-8871 CA

34.98

1,000.00

REVERSAL OF TEMPORARY CREDIT

Services

Jul 25

Jul 26

SQ *TEUDY PEREZ BRONX NY

0002305843010193598578

Jul 27

Jul 27

SQ *TEUDY PEREZ BRONX NY

1,000.00

0002305843010197817470
Cash Advances

Fees

Jul 28

Jul 28

SWS GIFT SHO-237046 BRONX NY

Jul 29

Jul 29

A-ONE DELI BRONX NY

11.50

Jul 29

Jul 29

A-ONE DELI BRONX NY

161.50

Aug 17

Aug 17

HAPPY DELI II BRONX NY

15.99

Jul 28

Jul 28

CASH ADVANCE FEE

Jul 29

Jul 29

CASH ADVANCE FEE

10.00

Jul 29

Jul 29

CASH ADVANCE FEE

10.00

Aug 17

Aug 17

CASH ADVANCE FEE

10.00

TOTAL FEES FOR THIS PERIOD

40.00

Interest Charged

101.50

10.00

INTEREST CHARGE ON PURCHASES

INTEREST CHARGE ON CASH ADVANCES
INTEREST CHARGE ON BALANCE TRANSFERS
TOTAL INTEREST FOR THIS PERIOD

0.00
4.30
0.00
4.30

TOTAL FEES CHARGED IN 2015

TOTAL INTEREST CHARGED IN 2015

$
$

41.50
4.30

2015 Totals Year-to-Date

Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period:31 days
TYPE OF BALANCE
Purchases
Cash Advances

ANNUAL PERCENTAGE RATE

(APR)
0.00%
24.99% V

BALANCE SUBJECT TO
INTEREST RATE
$0.00
$202.52

INTEREST CHARGE
$0.00
$4.30

V=Variable Rate

Information For You

For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges

NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

TEUDY PEREZ SR

Account number ending in 5843

Open Date: Jul 26, 2015 - Close Date: Aug 25, 2015

Page 4 of 6

Information For You ... Continued

FICO Credit Score Terms
Your FICO Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for
and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is
provided on the statement for individual accounts and on Discover.com with key factors for individual and joint accounts. You will see up to a year of recent
scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO Credit Score, other credit scores and
more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United
States and other countries.
If you prefer not to receive your FICO Credit Score on your statement, just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles
to process your request. To learn more, visit Discover.com
Availability of FICO Credit Score
As an active cardmember, you may see your FICO Credit Score on your monthly statement or online. Reasons why you may not see your FICO Credit
Score include: if you have a joint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that
has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen,
closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments
for approximately 30 days.
Discover Account Payments Discontinued at Sears
Effective February 1, 2016, cardmembers will no longer have the option to make any payments to their Discover account at Sears locations. You will continue
to have the option to make payments online by visiting our website at Discover.com, by calling us at 1-800-347-3085, or by mailing us a check.

Discover it Card

Account number ending in 5843

Open Date: Jul 26, 2015- Close Date: Aug 25, 2015
Cardmember Since 2014

Page 5 of 6

Teudy, your FICO Credit Score is 718 as of 08/19/2015

Good News! Your FICO Credit Score indicates to lenders that you are a good borrower.

Your FICO Credit Score History

Exceptional
800 - 850
Very Dependable
740-799

718

Good
670-739
Below Average
580-669
Very Risky
300 - 579

09/14

10/14

11/14

12/14

01/15

02/15

03/15

04/15

05/15

06/15

07/15

08/15

Important Information:

- We may not always receive a score for you each month so there may be months with no scores.
- For questions on the availability of your score go to the "Information For You" section of the document.
- As a new card member with less than 12 months of account history with Discover, your FICO Credit Score history will start
with the first month your account was opened.

Log into Discover.com/FICO to see key factors impacting all your scores.

See FICO Credit Score Terms on the 'Information For You' section of the statement.
2015 Discover Bank, Member FDIC

CODE_SUM_0115